{"uin":"RELPAIP08004V010708","name":"IndusInd Home Loanprotect Policy","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708","insurer":{"slug":"indusind-general-insurance","name":"IndusInd General Insurance Company Limited","url":"https://indiainsurances.com/insurer/indusind-general-insurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"IndusInd Home Loan Protect Policy is a home-loan protection benefit policy where Section A accidental death and permanent total disability is compulsory and Sections B to F are optional. It can be issued for up to 3 years, with a 30 days free look period and a 30 days grace period.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:51:40.291665+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Section A is compulsory; the coverage under sections B to F is optional."],"display":"Section A is compulsory; Sections B to F are optional","note":"The document describes selectable sections rather than named plan names.","quote":"PLANS Section A is compulsory; the coverage under sections B to F is optional. Section A is compulsory; the coverage under sections B to F is optional.","sources":[{"clause":null,"heading":"PLANS","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9652#c-plans"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For bodily injury claims, prompt written notice must be given to the Company and the financial institution as soon as possible and in any event within fourteen days of injury. For death, notice must be given forthwith; for fire and allied perils, notice of loss must be given forthwith and the claim delivered within 15 days after the loss or damage.","display":"Injury: within 14 days; death: forthwith; fire loss: forthwith and claim within 15 days","note":null,"quote":"On the happening of any loss or damage the Insured shall forthwith give notice thereof to the Company and shall within 15 days after the loss or damage ... prompt written notice thereof shall be given to the Company and the financial institution, as soon as possible but in any event within fourteen days of the date of injury. ... If the Insured shall die, notice of death shall be given by the legal representative(s) forthwith.","sources":[{"clause":"3","heading":null,"page":11,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-3-3"},{"clause":"12(c)(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-12-c-i"},{"clause":"12(c)(ii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-12-c-ii"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim Form","Loan Statement and Confirmation of Principal Outstanding from Bank/FI","Death Certificate (in case of Death Claim)","Disability Certificate (in case of Disability Claim)","Medical Practitioner's referral letter advising Hospitalization","Medical Practitioner's prescription advising drugs / diagnostic tests / consultation","Original bills, receipts and discharge card from the Hospital/ Medical Practitioner","First Information Report/ Final Police Report","Post mortem report, if available","Original pathological / diagnostic test reports and payment receipts","Indoor case papers","The letter of the employer terminating, dismissing or suspending the Insured from the present job","Proof towards not having any employment","Age proof of the Dependent Children of the Insured","Dependency Proof/Proof towards the Dependent Children of the Insured being enrolled in any educational institution","Any other document as required by the Company to assess the Claim"],"display":"Claim form, loan statement, medical and police records, and section-specific documents","note":null,"quote":"1. Claim Form\n2. Loan Statement and Confirmation of Principal Outstanding from Bank/FI In case of Personal Accident Death / Disability claims\n• Death Certificate (in case of Death Claim)\n• Disability Certificate (in case of Disability Claim)\n• Duly completed and signed Claim Form, in original\n• Medical Practitioner's referral letter advising Hospitalization\n• Medical Practitioner's prescription advising drugs / diagnostic tests / consultation\n• Original bills, receipts and discharge card from the Hospital/ Medical Practitioner\n• First Information Report/ Final Police Report\n• Post mortem report, if available\n• Any other document as required by the Company to assess the Claim. ... a) Duly completed and signed Claim Form, in original\nb) Medical Practitioner's referral letter advising Hospitalization\nc) Medical Practitioner's prescription advising drugs / diagnostic tests / consultation\nd) Original pathological / diagnostic test reports and payment receipts\ne) Indoor case papers\nf) First Information Report / Final Police Report, if applicable\ng) Any other document as required by the Company to assess the Claim In case of Loss of Employment\na) The letter of the employer terminating, dismissing or suspending the Insured from the present job\nb) Proof towards not having any employment\nc) Any other document as required by the Company to assess the Claim In case of Child Care Allowance\na) Age proof of the Dependent Children of the Insured ... b) Dependency Proof/Proof towards the Dependent Children of the Insured being enrolled in any educational institution\nc) Any other document as required by the Company to assess the Claim","sources":[{"clause":null,"heading":"For all claims","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-for-all-claims"},{"clause":null,"heading":"In case of Critical Illness","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-in-case-of-critical-illness"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The Company shall settle the claim within 30 days from receipt of the last necessary document. If investigation is warranted, it shall complete investigation not later than 30 days from receipt of the last necessary document and settle the claim within 45 days from receipt of the last necessary document.","display":"30 days from last necessary document; 45 days if investigation","note":null,"quote":"The Company shall settle the claim within 30 days from the date of receipt of last necessary document. However, where the circumstances of a claim warrant an investigation in Company’s opinion it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, Company shall settle the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":null,"heading":"In case of Critical Illness","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-in-case-of-critical-illness"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Section A is as opted by the Insured and specified in the Schedule. Section B is maximum up to the Sum Insured opted under Section A, Section C is the number of EMIs opted or outstanding home loan whichever is lower, Section D is maximum up to 2% of the Sum Insured under Section A, and Sections E and F are as opted by the Insured.","display":"As opted and specified in the Schedule; Section B up to Section A, Section C EMIs/outstanding loan, Section D up to 2%, Sections E and F as opted","note":null,"quote":"Section A | Accident Death & Permanent Total Disability | As opted by the Insured and specified in the Schedule to this pol ... Section B | Critical Illness | Maximum upto Sum Insured opted under section A ... Section C Loss of employment | Number of EMI’s as opted by the insured or the outstanding home\nloan, whichever is lower, at the time of claim. ... Section D Child Care | Maximum upto 2% of the Sum Insured under Section A ... Section E Home cover | As opted by the Insured ... Section F Home Contents | As opted by the Insured","sources":[{"clause":null,"heading":"PLANS","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9652#c-plans"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":90},"display":"90 days for Critical Illness","note":"This waiting period is stated for Critical Illness.","quote":"the Insured Event (Critical Illness) in relation to the Insured, shall mean any illness, medical event or surgical procedure as specifically defined below whose first signs or symptoms first commence more than 90 days after the commencement of Policy Period","sources":[{"clause":"1","heading":"What is covered","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-1-2"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-applicable","value":null,"display":null,"note":"The Critical Illness cover excludes pre-existing disease/condition/injuries existing when the cover first incepts rather than giving a waiting period after which they are covered.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-applicable","value":null,"display":null,"note":"This is a home-loan protection benefit policy with a 90-day Critical Illness waiting period, not an indemnity health policy with named procedure-specific waiting periods.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-applicable","value":null,"display":null,"note":"The policy does not use a cataract/hernia/joint-replacement type specific waiting-period list; it lists critical illnesses covered after the Critical Illness waiting period.","quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"60 continuous months","note":"Stated in the Customer Information Sheet.","quote":"Moratorium Period: After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"2(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9805#c-2-ii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"Portability means transfer of credit gained for pre-existing conditions and time bound exclusions if the policyholder switches from one insurer to another. Waiting periods are reduced by the number of years of continuous coverage under a similar individual health insurance policy with previous insurer(s).","display":"Yes, credit for pre-existing conditions and time bound exclusions can transfer","note":null,"quote":"Portability means transfer by an individual health insurance policyholder (including family cover) of the credit gained for pre- existing conditions and time bound exclusions if he/she chooses to switch from one Insurer to another. If the Policyholder/ Insured Person renew with the Company, without break, any similar individual health insurance policy from any insurance company registered with IRDA, then the Waiting Periods as defined in exclusions shall be reduced by the number of years of continuous coverage under such health insurance policy with the previous insurer(s).","sources":[{"clause":"23","heading":"Portability","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-23"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":false,"display":"No; renewal requires an outstanding loan and no claim","note":null,"quote":"This policy shall not be renewed and the Insured shall not be eligible for any new similar policy(es) if a claim is paid or admitted under this Policy or if there no outstanding loan for which this Policy was issued. ... Policy shall be renewed, provided there is an outstanding loan subject to no claim.","sources":[{"clause":"21(f)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-21-f"},{"clause":"21(g)","heading":"Policy shall be renewed, provided there","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-21-g"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"not-stated","value":null,"display":null,"note":"The wording states renewal premium can vary subject to prior regulatory approval and that the policy shall not be renewed if a claim is paid or admitted, but it does not state claim-based premium loading.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Any pre-existing disability / accidental injury.","All pre-existing disease/ condition/injuries which are existing when this insurance cover incepts for the first time","Intentional self-injury, suicide or attempted suicide","Whilst under the influence of liquor or drugs or other intoxicants","Directly or indirectly, caused by venereal disease, AIDS or insanity","Arising or resulting from the Insured committing any breach of law or participating in an actual or attempted felony, riot, crime, misdemeanor or civil commotion","Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste","Any critical illness contracted due to alcohol or drug abuse.","Any critical illness, directly or indirectly, caused by or arising out of any criminal act of the Insured.","Self employed persons","Any claim relating to unemployment in respect of a job which is casual, temporary, seasonal or contractual in nature","Unemployment of the Insured that is purely voluntary.","Resignation, Superannuation, early retirement of the Insured.","Loss, destruction or damage caused by war, invasion, act of foreign enemy, hostilities or war like operations","Loss, destruction or damage to bullion or unset precious stones or any curios or works of art of an amount exceeding Rs. 10,000/-"],"display":"Permanent exclusions include pre-existing disability/disease, suicide, intoxication, AIDS, breach of law, nuclear/radiation, alcohol/drug-related critical illness, self-employed or voluntary unemployment, war and specified property exclusions","note":"The policy wording does not use standard IRDAI exclusion codes Excl04 to Excl18.","quote":"1. Any pre-existing disability / accidental injury. ... i) Intentional self-injury, suicide or attempted suicide ... ii) Whilst under the influence of liquor or drugs or other intoxicants ... iv) Directly or indirectly, caused by venereal disease, AIDS or insanity ... v) Arising or resulting from the Insured committing any breach of law or participating in an actual or attempted felony, riot, crime, misdemeanor or civil commotion ... Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste ... 1. All pre-existing disease/ condition/injuries which are existing when this insurance cover incepts for the first time ... 6. Any critical illness contracted due to alcohol or drug abuse. ... 9. Any critical illness, directly or indirectly, caused by or arising out of any criminal act of the Insured. ... a) Self employed persons ... b) Any claim relating to unemployment in respect of a job which is casual, temporary, seasonal or contractual in nature ... 7. Unemployment of the Insured that is purely voluntary.\n8. Resignation, Superannuation, early retirement of the Insured. ... 1. Loss, destruction or damage caused by war, invasion, act of foreign enemy, hostilities or war like operations ... 4. Loss, destruction or damage to bullion or unset precious stones or any curios or works of art of an amount exceeding Rs. 10,000/-","sources":[{"clause":"4","heading":"What is not covered","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-4"},{"clause":"4(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-4-i"},{"clause":"4(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-4-ii"},{"clause":"4(iv)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-4-iv"},{"clause":"4(v)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-4-v"},{"clause":"4(vi)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-4-vi"},{"clause":"2","heading":"What is not covered","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-2-2"},{"clause":"3(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-3-a-2"},{"clause":"3(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-3-b-2"},{"clause":"3(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-3-c"},{"clause":null,"heading":"What is not covered (For Sections E & F)","page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-what-is-not-covered-for-sections-e-f"},{"clause":"2(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-2-b"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"conflicting","value":"The Insured may give 7 days notice in writing for cancellation; the Company cancels the policy from receipt of notice and retains 15% of the premium for the balance period.","display":"7 days notice; insurer retains 15% of premium for the balance period","note":"The prospectus says: \"In the event of cancellation by the insured the refund amount shall be on pro-rata basis\" and also says: \"Where any claim has been admitted or has been lodged by the person under the Policy, there shall be no refund of premium for the Policy Year in which the claim occurs.\"","quote":"The Insured may also give 7 days notice in writing, to the Company, for the cancellation of this Policy, in which case the Company shall from the date of receipt of notice cancel the Policy and retain 15% of the premium for the balance period.","sources":[{"clause":"18","heading":"Cancellation/termination","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-18"},{"clause":"4(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9652#c-4-a"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"No claim is payable unless the cause of action arises in India. All claims are payable in India and in Indian Rupees only.","display":"Cause of action must arise in India; claims payable in India in Indian Rupees","note":null,"quote":"No claim shall be payable under this Policy unless the cause of action arises in India. All claims shall be payable in India and in Indian Rupees only.","sources":[{"clause":"19","heading":"Cause of Action / Currency for Payment","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-19"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days from receipt of the Policy","note":"This clause is not applicable on renewal of the policy.","quote":"The Policyholder would be given a period of 30 days (Free Look Period) from the date of receipt of the Policy to review the entire Policy.","sources":[{"clause":"24","heading":"Free Look Period","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-24"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"Grace period refers to a period of 30 days immediately following the premium due date during which a payment can be made to renew this Policy without loss of continuity benefits such as Waiting Periods and coverage of Pre-existing Disease.","sources":[{"clause":"21(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-21-c"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 18 years and maximum age limit is 65 years.","display":"Minimum age 18 years; maximum age 65 years","note":"Stated in the prospectus.","quote":"Minimum age – 18 years: Maximum age limit: 65 years","sources":[{"clause":null,"heading":"INDUSIND HOME LOAN PROTECT POLICY - PROSPECTUS","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9652#c-indusind-home-loan-protect-policy-prospectus"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Critical Illness","Loss of employment","Child Care","Home cover","Home Contents"],"display":"Sections B to F are optional: Critical Illness, Loss of employment, Child Care, Home cover, Home Contents","note":null,"quote":"PLANS Section A is compulsory; the coverage under sections B to F is optional. ... Section B | Critical Illness | Maximum upto Sum Insured opted under section A ... Section C Loss of employment | Number of EMI’s as opted by the insured or the outstanding home\nloan, whichever is lower, at the time of claim. ... Section D Child Care | Maximum upto 2% of the Sum Insured under Section A ... Section E Home cover | As opted by the Insured ... Section F Home Contents | As opted by the Insured","sources":[{"clause":null,"heading":"PLANS","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9652#c-plans"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available for the period for which premium is not received, and the Company is not liable for claims incurred during such period.","display":"No coverage while premium is not received","note":null,"quote":"Coverage is not toavailable for the period for which Premium is not received by the Company and the Company shall not be liable for any Claims incurred during such period.","sources":[{"clause":"21(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752#c-21-c"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Home Loan Protect A to F Policy wording","pages":20,"fetched_at":"2026-10-17 19:48:35+00","source_url":"https://www.indusindinsurance.com/downloads/home-loan-protect-a-to-f-policy-wording","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9752"},{"kind":"wording","label":"Home Loan Protect A To D Policy Wording","pages":14,"fetched_at":"2026-10-17 19:49:14+00","source_url":"https://www.indusindinsurance.com/downloads/home-loan-protect-a-to-d-policy-wording","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9778"},{"kind":"prospectus","label":"IndusInd Home Loanprotect Policy","pages":17,"fetched_at":"2026-10-17 19:45:32+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-home-loanprotect-policy","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9652"},{"kind":"cis","label":"IndusInd Home Loan Protect Policy CIS","pages":4,"fetched_at":"2026-10-17 19:50:01+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-home-loan-protect-policy-cis","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708/document/9805"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IndusInd General Insurance official website","url":"https://www.indusindinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Car insurance claim","url":"https://www.indusindinsurance.com/car-insurance-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Health insurance claims","url":"https://www.indusindinsurance.com/health-insurance-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel insurance claim","url":"https://www.indusindinsurance.com/travel-insurance-claim","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.indusindinsurance.com/about-us/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew car insurance","url":"https://www.indusindinsurance.com/car-insurance/renew-car-insurance","note":null},{"purpose":"renew","kind":"insurer","name":"Renew health insurance","url":"https://www.indusindinsurance.com/health-insurance/health-insurance-renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"IndusInd Home Loanprotect Policy (UIN RELPAIP08004V010708), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/indusind-home-loanprotect-policy-relpaip08004v010708"}